1994 Buick Roadmaster Car Insurance Rates – 9 Ideas for Cheapest Quotes

Trying to find cheaper car insurance rates for your Buick Roadmaster? Nobody I know looks forward to buying car insurance, especially knowing they could find lower prices if they just compared rates.

Consumers have so many car insurance companies to purchase coverage from, and even though it’s nice to have a choice, too many choices makes it more difficult to find the best rates.

It’s a great practice to compare premium rates occasionally because rates are adjusted regularly by insurance companies. If you had the lowest premium rates for Roadmaster insurance a year ago there is a good chance you can find better prices now. There is a lot of bad information regarding car insurance out there, but we’re going to give you some great ways to slash your car insurance rates.

How to compare car insurance rate quotes

To find the best car insurance quotes, there are several ways to get quotes from companies that offer car insurance in your state. The easiest way by far to find the cheapest 1994 Buick Roadmaster insurance rates consists of shopping online. This can be done in several different ways.

1. Hands down the most simple method to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This quick form keeps you from doing separate quotation requests for every company. One simple form compares rates direct from many companies.
2. A more difficult way to compare rate quotes consists of visiting the website of each company and get a separate price quote. For example, we’ll assume you want to get rates from Progressive, Esurance and State Farm. To get rate quotes you would need to take the time to go to each site to enter the same coverage data repeatedly, which can be really labor intensive.

   For a list of links to companies insuring cars in your area, click here.

Take whichever approach you prefer, but ensure you’re using the same information for each quote you get. If you are comparing differing limits then you won’t be able to determine the lowest rate for your Buick Roadmaster. Slightly different insurance coverages can result in a big premium difference. It’s important to know that comparing more rates from different companies will increase your chances of finding a lower rate. Some companies don’t provide prices over the internet, so you should also compare price estimates on coverage from those companies, too.

Don’t believe everything you hear

Companies like Progressive, Allstate and Geico consistently run ads in print and on television. They all seem to try to convey promises about saving some big amount just by moving your policy. How do they all give you a lower rate? Here is how they do it.

Different companies quote their cheapest rates for a prospective insured that will add to their bottom line. For example, this type of insured might be over the age of 50, is a homeowner, and drives less than 7,500 miles a year. Any driver who matches those parameters will get very good rates as well as save money with a new company.

Drivers who don’t measure up to those standards will probably be forced to pay a higher premium which usually ends up with the driver buying from a lower-cost company. If you pay close attention to the ads, they say “drivers that switch” not “everybody who quotes” save that much when switching. This is how insurance companies can confidently make claims that they all have the best rates. Each company has different criteria, so drivers must compare as many free car insurance quotes as you can. It is just not possible to predict which insurance companies will provide the lowest prices.

Cheaper rates with these nine auto insurance discounts

Car insurance is not cheap, but you may be missing some discounts to reduce the price significantly. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be requested specifically prior to getting the savings.

• No Accidents – Insureds who avoid accidents and claims pay much less when compared with insureds who have frequent claims or accidents.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower auto insurancerates if you buy life insurance.
• Resident Student – College-age children living away from home attending college and don’t have a car may be able to be covered for less.
• Own a Home and Save – Owning your own home or condo can earn you a little savings since owning and maintaining a home requires personal responsibility.
• Low Miles Discount – Fewer annual miles on your Buick can qualify you for slightly better rates than normal.
• More Vehicles More Savings – Buying a policy with primary and secondary vehicles on one policy qualifies for this discount.
• Multi-policy Discount – If you insure your home and vehicles with one insurance company you could save 10% to 20% off each policy.
• Early Signing – Some larger companies provide a discount for buying a new policy before your current coverage expires. Ten percent is about the average savings.
• Paperless Signup – A few larger online companies will provide an incentive for buying your policy over the internet.

Remember that most discounts do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, that’s just not realistic.

Some companies that have these benefits include:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

When getting a coverage quote, ask each insurance company which discounts can lower your rates. Some discounts may not be offered in your area. To find providers offering auto insurance discounts, click this link.

Auto insurance can get complicated

When buying proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions might help in determining if your insurance needs may require specific advice.

• Is my dog or cat covered if injured in an accident?
• Are all vehicle passengers covered by medical payments coverage?
• Should I waive the damage coverage when renting a car?
• What happens if I owe more than my 1994 Buick Roadmaster is worth?
• Do I need medical payments coverage since I have good health insurance?
• When should I not file a claim?
• Is a new car covered when I drive it off the dealer lot?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Insurance policy coverages for a Buick Roadmaster

Understanding the coverages of insurance aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are the normal coverages found on the average insurance policy.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your 1994 Buick Roadmaster.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision insurance

Collision coverage covers damage to your Roadmaster resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like scraping a guard rail, driving through your garage door, crashing into a ditch, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like pain medications, rehabilitation expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverages

This provides protection from damages or injuries you inflict on people or other property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as attorney fees, medical expenses, repair bills for other people’s vehicles, legal defense fees and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hitting a deer and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

A penny earned…

We just presented a lot of information how to shop for 1994 Buick Roadmaster insurance online. The key concept to understand is the more you quote car insurance, the better your comparison will be. Consumers may even find the best auto insurance rates are with a lesser-known regional company. They may cover specific market segments cheaper than their larger competitors like Progressive or Geico.

Lower-priced 1994 Buick Roadmaster insurance can be purchased both online and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies may not have rate quotes online and most of the time these smaller companies provide coverage only through independent agents.

When you buy car insurance online, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where someone dropped full coverage only to regret at claim time they didn’t purchase enough coverage. The goal is to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.

Other information

• Smart Auto Insurance Tips (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)
• Young Drivers: The High Risk Years Video (iihs.org)
• Red Light Cameras (State Farm)
• Eight Auto Insurance Myths (Insurance Information Insitute)